Investment Property Finance Australia
WRA Mortgage Brokers helps investors across Australia finance investment property — with lenders that assess rental income generously, accept existing portfolios, and support company, trust and self-employed structures. We build borrowing capacity around your portfolio strategy.
Frequently Asked Questions
How is rental income assessed for an investment loan?
Most lenders assess rental income at around 75–80% of the gross rent (to allow for vacancies and costs), though some use higher percentages. Negative gearing benefits can also be factored into serviceability. How aggressively each lender treats rent affects your borrowing capacity, so lender choice matters.
Can I use rental income from the property I'm buying?
Yes. Lenders generally include the expected rental income from the property being purchased (sourced from a rental appraisal or estimate) in the serviceability assessment, alongside your other income.
How do lenders treat an existing investment portfolio?
For borrowers with multiple properties, lenders assess existing rent, debt and any shortfalls across the portfolio. Some lenders are more generous with how they treat existing rent and cross-collateralisation, which can unlock more borrowing for the next purchase.
Should I use a company or trust to buy an investment property?
It depends on your tax, asset-protection and long-term goals. Buying in a company or trust is possible with the right lender, but it changes how income, capital gains and land tax apply. WRA works with your accountant to structure the borrowing correctly.
What is the difference between interest-only and principal-and-interest for investors?
Interest-only keeps repayments lower and can improve cashflow and serviceability for the next purchase, but doesn't reduce the loan balance and typically has a limited interest-only period. Principal-and-interest builds equity. WRA models both against your portfolio strategy.
Can I release equity from my home to buy an investment?
Yes. Equity release (cash-out) from your owner-occupied or existing investment property is a common way to fund a deposit. Lenders have different caps on cash-out and may require evidence of the funds' purpose, so WRA structures the release to suit the target lender.
Can a self-employed borrower get an investment loan?
Yes. Self-employed income is assessed under the lender's self-employed policy (one-year financials, low-doc or full-doc). WRA structures both the income evidence and the investment loan together.
What deposit do I need for an investment property?
Investment loans are generally available from around 10% deposit (plus costs), with stronger options at 20% or more. Lenders mortgage insurance typically applies above 80% LVR. Existing equity can substitute for a cash deposit.
Information on this page is general in nature. Lender policies, eligibility criteria, rates and lending limits can change. WRA will confirm applicable lender requirements based on your individual circumstances before making any recommendation.
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